Guaranteed Insurability Option (GIO) Rider for Disability Income Insurance
As your income increases and your DI needs change, the GIO Rider allows you to get the DI coverage you need now with the option to purchase additional coverage in the future without evidence of good health. You can purchase additional coverage up to 5 times, every 2 years after the policy effective date, prior to age 55. A purchase may be accelerated in the event of a life change (marriage, death of a spouse, divorce, or birth or adoption of a child).